Kodi bwino kutenga kugulira nyumba - zikhalidwe mabanki chindapusa

Si aliyense amene angachite kugula nyumba posachedwa. Pankhaniyi, mungagwiritse ntchito yanyumba ya. Aliyense banki amapereka mawu ndi chiwongola dzanja chake. boma amathandiza kubweza, ndipo pali zochitika zapadera kuti magawowa malipiro. Koma kuti tipeze kumene kutenga kubweza, muyenera kuti ayanjane ndi maganizo a mabanki osiyana.

mawu a ngongole iliyonse banki ndi osiyana. M'pofunika kudziwa mwakamodzi, patsogolo chonse cha mgwirizano. Kawirikawiri kutenga kubweza kwa zaka 10-20. Pakuti aliyense wobwereka kuchita masamu malipiro apamwezi. Mukhoza kupanga izo kuposa ndalama kuti amalola kupulumutsa pa chidwi.

ngongole yabwino

ndi zopereka koyamba - mtundu umodzi wa ntchito kubweza ku Russia. Popanda izo, inu mukhoza kukonza kubweza chabe pamaso pa mavuto azachuma wa zaka 2008-2011. Tsopano mtundu wa ngongole si othandiza chifukwa chosowa cha kudalirika. Koma mabanki kuti kupereka zanyumba ndi malipiro pansi, ali otchuka kwambiri. Ndipotu, mabanja onse ndi ndalama zambiri nthawi imodzi.

Koma tsopano mukhoza kukumana ndi mabungwe ena azachuma kupereka zanyumba popanda malipiro, koma kuchuluka adzakhala penapake zikuluzikulu. Nthawi zina chofunika kupereka ina mu mawonekedwe a nyumba alipo. Komanso, pangakhale zinthu zina.

Kupereka ina

Njira yabwino ndi kugula nyumba chachiwiri, pamene pali mtundu wina wa malo. Pankhaniyi, magombe kupereka zanyumba, koma osati kuchuluka lonse, ndi 80%. Mwachitsanzo, ngati nyumba mtengo wa miliyoni 8 udzaperekedwa 10 miliyoni ..

Inu mukhoza kutenga chuma kudzera Kuyamikira 2. Only njira ayenera kumwedwa pa gombe wina malipiro koyamba. Mulimonsemo, aliyense pulogalamu adzakhala ndi mawu yake. Monga ina nthawi ankafunika kupereka ena malo, galimoto. banki Izi ayenera kuonetsetsa wobwereka, pakuti chirichonse zifukwa, sangathe amalizitse ngongole.

ogula ngongole

Ngati mukufuna zanyumba, imene banki ndi bwino kuchita? Iwo m'pofunika kulankhula ndi olimba mabungwe Russian. Pali njira ina - kupereka ogula ngongole. Pankhaniyi sinabweretse ina mu mawonekedwe a nyumba. Banks kongoletsani kuchuluka kwa 300-500 zikwi rubles, amene si zokwanira kugula nyumba, ngakhale m'tauni yaing'ono. Koma ngati ngongole ndi oyenera kugula malo m'mudzi.

Masiku ano, pali zambiri mapulogalamu, koma zothandiza kwambiri amaonedwa awiri - "Young Banja" ndi likulu umayi. Malinga ndi iye ubwino zoperekedwa kwa borrowers kuti atsogolere malipiro.

Pulogalamu "Young banja"

Kodi kupeza kubweza mabanja achinyamata? Lankhulani ndi a mabanki kuti ntchito ndi pulogalamu yapadera "Young Banja". Pa kupereka ang'onoang'ono kuti borrowers, koma ayenera kukhala zaka wocheperapo 35. Zikhalidwe monga tikukhala mu dera okhala kwa zaka zoposa 10. Koma ngakhale ndi mbali mu pulogalamuyi kuti subsidize kufunika kulipira amalipiritsa pa kubweza a padziko 20% ya mtengo chuma.

Yabwino mawu ngongole pa maziko a dongosolo "Young banja" lomwe Sberbank. Overpayment wa 11-12% pa annum, ndi malipiro oyamba - 12% ya ndalama. , Inu muyenera kukonzekera zikalata izi nawo mwambowu:

• zitupa makolo;
• zosonyeza kubadwa kwa ana;
• satifiketi ukwati kapena kusudzulana;
• mawu a zasungidwa;
• ndi Tingafinye ku nyumba;
• magazini a nkhani;
• kulembamo pa phunziroli kunyumba;
• kuchita la dziko la nyumba mwadzidzidzi;
• kulembamo kutumikira monga chitsimikizo cha kukhalapo kapena kusapezeka kwa katundu.

Imeneyi ndi mndandanda yaikulu ya zolemba, koma banki kungafune chinachake. Onse mabungwe zolimbana malamulo.

Zimafunika borrowers

Zanyumba mu Moscow ndiponso mizinda ina Russian wopangidwa yekha ndi borrowers amene ziyeneretso zotsatirazi:

• zaka - pa 23 zaka ndi pansi ndi zaka 65;
• ntchito okhazikika kwa miyezi yoposa 6;
• m'dziko limene yomanga nyumba idzachitike, akhale chuma cha wobwereka lapansi.

Komanso, pangakhale zinthu zina kubweza lapansi. Iwo m'pofunika kuti titenge izo mu lalikulu, wokhulupirika mabungwe a zachuma. Pakati pa mabungwe yabwino akhoza taonera Sberbank ndi VTB (Bank), zanyumba mu chimene anapereka pa mfundo yabwino. Ngati mukufuna ngongole yaing'ono, ndi bwino ntchito kwa "ulimi Bank".

Kodi bwino kutenga kubweza ndi kuziyika izo pa mlingo mpikisano chidwi? Pankhaniyi n'zotheka kugula pamtengo mu yaing'ono. Ndiye chiletso zaka, mkulu, malo a ntchito. Iwo m'pofunika kusankha banki lalikulu. More kopindulitsa kutenga kubweza pa 13-15% pa annum. Koma mabungwe ambiri kupereka ngongole pa 23%, izo zonse zimadalira zinthu. Ena mabanki amafuna guarantor patsogolo. Iwo akhoza kukhala nzika kapena wokondedwa.

Kodi zimakhudza kuchuluka

Zanyumba mu Moscow ndiponso mizinda ina Russian akupezeka pa chidwi. Only bungwe lina, zikhoza kukhala laling'ono, ndi zina - mkulu. Kodi ndithudi kulabadira mawu a pangano, chifukwa zimakhudza chiwongola dzanja.

Ngongole ubwino bwanji amafuna osiyana Mwachitsanzo, inshuwalansi. Malinga ndi utumiki uwu zidzawonjezedwa kwa ngongole ya ndalama zambiri. Koma inshuwalansi pasanathe masiku 14 wobwereka akhoza kupululuka, izo zonse zimadalira chilakolako chake.

Kuti tipeze kubweza malipiro ntchito Annuity mtundu wa kupereka, chifukwa amene kumawonjezera chiwongola dzanja. Koma ambiri amakhulupirira kuti dongosolo lino kuthetsa ndi zinyalala mulingo woyenera kwambiri bajeti. The yaitali kubweza, m'munsi ndalama.

Kodi kutenga ngongole pa mtengo wotsika

Kodi bwino kuti atenge kubweza amapezerapo mwayi wochepa chidwi? ngongole izi ziperekedwa mu zosiyanasiyana mabanki, amafuna zotsatirazi ziyenera kokha anakumana:

• zabwino ngongole mbiri;
• khola ndi zapamwamba ntchito;
• kupereka ambiri zikalata;
• kuthekera malipiro koyamba.

kuchuluka The kuchita masamu malingana ndi mawu a ngongole ndi kukula kwa chigawo choyamba. chiwongola dzanja Otsika zikupezeka mabanki akuluakulu. mabungwe ang'onoang'ono zambiri zowawa Kusakhazikika, kotero overpayments kukhala lalikulu.

mabanki ambiri kupereka makasitomala mawu kubweza payekha. Ngati panakhala unayambitsidwa ngongole m'tsogolo kupereka zinthu zinkawayendera bwino. Only ankakhulupirira kuti makasitomala mabanki ndi wofunitsitsa apereke kubweza pa mitengo wololera chidwi.

Top Russian mabanki

Musanayambe kusankha kumene kutenga kugulira nyumba, muyenera kuwerenga mawu a mabanki angapo. Munthu aliyense ali ndi mfundo phindu kumatengera zifukwa zambiri. Ena okonzeka msanga kulipira ngongole, osati kupereka kwambiri. Ngakhale ena adzapindula yaing'ono malipiro apamwezi.

Ndalama Bank amapereka kubweza pa 14.5%, koma ayenera kulipira malipiro koyamba 50%. Muyenera ngongoleyo kwa zaka 10. Ngati mulibe kupereka mawu ndalama, mlingo limatuluka kuti 15%. Koma ngati kulipira ndalama zingati koyamba 30%, ndi overpayment adzakhala 15,5%.

Chidwi chinawonjezeka ndi zinthu zotsatirazi:

• ngati mgwirizano si lalembedwa mkati mwezi kuchokera chitsimikiziro cha kubweza ya;
• kulephera kwa inshuwalansi ndi moyo.

pulogalamu "Young banja" ukugwira ntchito Bank ndalama. malipiro koyamba yafupika 10%, ndipo pobadwa kupereka yotsala ya ngongole inaimitsidwa kwa zaka 3. The alipire ngongole, inu mukhoza kugwiritsa ntchito apakati likulu.

VTB - banki, ndi kubweza limene likupezeka pa njira yake peresenti kusankhidwa, amene amalola tiziganizira kupereka zololedwa. Overpayment ndi 15,25%. Chiwerengero ukuwonjezeka kokha pamene kulephera kwa inshuwalansi ndi moyo.

Zanyumba akhoza chikalata pa Alfa Bank. Apa, makasitomala ali kulipira ndalama zingati koyamba kwa 50%, ndipo ngati ngongole zilipo kwa zaka 10. Kuchuluka kudzakhala 20%. Ngati malipiro oyamba 30% ya zikuchokera, nthawi kubweza ndi anawonjezera zaka 25. Overpayment ngongole adzakhala zopanda 21,1% pa chaka.

likulu umayi

Mpaka 2009, malipiro koyamba zathu- mwa likulu kholo. Pofuna ntchito ndalama osati zinkafunika kudikira kwa chikudutsa zaka 3 kuyambira kubadwa kwa mwana wake wachiwiri.

Certificate kufunsira chiphaso banki. Capital kunditumiza ku Fund ndi penshioni pambuyo kukonzanso kulembetsa kwa katundu ndi mwini. Komanso, muyenera kupereka neno pa ntchito, chosonyeza, kalata ya inshuwalansi penshioni.

ubwino kubweza

Musanapite kubweza ayenera kuphunzira za ubwino onse ndi kuipa kwa chisankho. Izi kupewa zambiri mavuto m'tsogolo. Akatswiri kudziwa ubwino zotsatirazi kubweza ndi:

• malo amakhala chuma cha wobwereka, amene angathe kukhala okhala kumeneko, komanso kulembetsa banja lanu;
• zinthu inayambanso mu 2016, imene wobwereka pali kuthekera kwa alipire oyambirira popanda zilango ndi chidwi;
• kukula kwa malipiro yobwereka ndi ofanana ndi bolodi, koma wobwereka amakhala mwini;
• Mukhoza kugwiritsa ntchito mpikisano pulogalamu, ntchito chikhalidwe.

Akatswiri amanena ngongole kugula nyumba ya mavuto azachuma ndi zopindulitsa, chifukwa mabanki pa nthawi ino kupereka makasitomala ndi zinthu zabwino. Mu zanyumba palinso zabwino. Upangenso koyamba malipiro - 10-20% ya ndalama. mgwirizano ndi anamaliza kwa nthawi yaitali, kuti maganizo katundu wobwereka. Ngati inu kusankha pulogalamu bwino, kubweza adzakhala ndalama opindulitsa.